I. Tax credit
The bank has a large tax loan amount and a reasonable service life, which is very suitable for small and medium-sized enterprises and individuals who are temporarily short of money. According to the tax amount, small and micro enterprise loans can be approved for about 2- 10 times, basically with interest before capital, and a few with interest before capital. Now the highest is about 3 million.
Second, the invoice loan
According to the value-added tax invoice amount, verify the transaction records between it and the buyer's enterprise and issue RMB credit business to eligible borrowers. Generally, a comprehensive credit line will be given, and the maximum credit line is about 6.5438+0.7 million. The repayment method is equal principal and interest, with more average capital.
Third, equipment loans.
According to the factory or equipment with invoices, the loan period of equipment loans is generally 1~3 years, and the longest is 5 years, which requires a certain cash flow.
The above three basic requirements require tax payment for more than 2 years before they can apply, and the credit rating is best at or above B. In addition, a few banks can add local real estate to improve their credit.
Fourth, conventional credit loans.
Many banks have similar products, which are matched by assets such as corporate legal persons and RV insurance policies. Generally, it is up to 500,000 yuan, and the principal and interest are more.
Verb (abbreviation for verb) commercial loan
According to the company's legal person running water or business license, the direct quota of the company's running water is generally made by small companies, and the amount ranges from 300,000 to 500,000, and the interest is much higher than before.